billmo vs Silo

Splitting a bill should take seconds, not a spreadsheet. billmo turns a photo of any receipt into a fair, itemized split — so everyone pays exactly their share. SCAN & SPLIT IN SECONDS Point your camera at the receipt. billmo reads each line item, and you just tap who had what. It does the math — including service charge and discounts — down to the cent. KNOW WHO OWES WHAT billmo keeps a running balance with every person and group. See "To Pay" and "To Collect" at a glance, and settle up when you're squared away. Balances between registered users stay perfectly in sync on both sides. GROUPS THAT STAY CLEAN Create a group for the trip, the flat, or the barkada. Add expenses, and billmo tracks each person's share automatically. Join by QR or code, with the group creator approving who gets in. GET PAID YOUR WAY Save your bank or e-wallet QR once. When someone owes you, they can pull it up and pay you directly — and only people who actually owe you can see it. BUILT FOR THE REAL WORLD - Multi-currency: record a bill in the local currency, see your share in your home currency - Recurring bills for rent, subscriptions, and monthly splits - Works with friends who aren't on billmo yet — add them by name - Your receipts are never stored: they're read once and discarded PRIVATE BY DESIGN Your bills and balances are yours. Delete your account anytime and your personal data is erased. Free to use, with free scans to get you started. Optional Splitties bundles top up your receipt scans whenever you need more. Split the bill, skip the awkward. Download billmo.

Silo is a private money tracker that works offline. No sign-up, no ads, no bank logins. Everything stays on your device. Open it and see what's safe to spend today, how fast you're spending, and where your balance is heading. WHAT YOU CAN DO • Safe to spend, daily, with pace warnings and a run-out date • Budgets: a simple 50/30/20 split or caps per category • Analytics by week, month or year, plus statistics for every account • Accounts and net worth: cash, cards, loans and investments in one place • Investments with a page per holding and your returns • Bills, debts, split bills, installments and loans • Recurring bills, subscriptions and income that log themselves • Cash-flow forecast and calendar • Goals, wishlist, planned expenses and shopping lists • Trips and multi-currency, with about 150 banks abroad • Fast logging: widgets, Back Tap, Apple Pay, receipt scanning • A receipt of your day, every night • In 20 languages • Private by design: Face ID lock and hidden amounts Delete everything from Settings, on this iPhone and, with iCloud sync on, in your iCloud too. Not a bank. Silo is a ledger you keep yourself. It doesn't connect to banks, move money, lend, trade or give financial advice.